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Internship Report on Zarai Taraqiati Bank Ltd. 2010

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Internship Report on Zarai Taraqiati Bank Ltd. 2010 INTERNSHIP REPORT ZARAI TARAQIATI BANK LTD. Submited to: Sir, Fida Hussain Bukhari Submitted by: Adnan Ijaz M08MBA071 Specialization in Finance MBA Banking & Finance 2008-2010 Hailey College of Banking & Finance Internship Report on Zarai 2010 Taraqiati Bank Ltd. University of Punjab 2 Internship Report on Zarai Taraqiati Bank Ltd. 2010 In the name of ALLAH the most benificent, the most merciful 3 Internship Report on Zarai 2010 Taraqiati Bank Ltd. ACKNOWLEDGEMENT I have great sense of gratitude for the most Beneficent and Merciful Allah who has always helped me in all matters of life .I tried but He rewarded me more than the tried. I have deep feelings for whole of my family, in general, and for my Father, my Mother and my elder brother, in particular .They have always soothed me, elevated me and their words and du’a has floated me in the deep seas of troubles. All of my successes are due to the prayers of my family. I am thankful to all of my teachers and my class fellows and friends whom cheerfulness and guidance is an asset for me .I am especially thankful to the bank staff who has given me opportunity to get precious practical knowledge and also for their guidance during my internship. Without the help of all these I was not able to complete this report. 4 Internship Report on Zarai Taraqiati Bank Ltd. 2010 Preface This Internship report is the compulsion put in by Hailey College of Banking and Finance for the award of master degree in business administration. In order to accomplish the task of completion of the degree, I choose the renowned and reputed organization that is the Zari Taraqiati Bank Ltd. I went through 6 weeks internship training in the bank in order to perceive the true art and the practical picture of banks’ working and to go through the process by which the organization is making very good out of its limited resources. The report is based on the introduction of the bank, products offered, financial analysis and assignments I handled during my internship. The report is divided into two main parts; the first part includes the introduction of bank, its products and financial analysis while the second part is based on the assignments I handled during my internship. I am positive that the college will oblige me by giving its recommendation and consent for the approval of the degree and the purpose for which I have gone through training and report writing procedure will be served positively. 5 Internship Report on Zarai 2010 Taraqiati Bank Ltd. Table of Contents ..................................................................................................8 Part One......................................................................................8 Ch. 1: Introduction of Zarai Tarqiati Bank Ltd.................................8 Chapter 1.....................................................................................9 History ..............................................................................................9 Credit Rating.................................................................................................................11 Corporate Vision............................................................................................................12 Corporate Mission.........................................................................................................12 Corporate Objectives.........................................................................13 Transformation of ZTBL to R.F.I of the country and road to excellence.........................14 Branch Network................................................................................16 Management Hierarchy......................................................................17 Board of Directors.............................................................................20 A Brief Resume of President..........................................................................................21 ........................................................................................................24 Kissan Support Services Ltd...............................................................24 KSS Aim......................................................................................................................... 24 KSS Operation...............................................................................................................24 Objectives.....................................................................................................................24 Services/Activities so far undertaken by KSS................................................................25 Chapter 2...................................................................................27 Products and Services.......................................................................27 ZTBL Locker Facility .....................................................................................................27 Products offered to Meet Finance Need of Farmers.............................28 Types of Loans Advanced..............................................................................................28 Loan Schemes...................................................................................29 Supervised agriculture scheme:....................................................................................29 Zarkhaiz (one window operation)..................................................................................29 Sada Bahar Scheme......................................................................................................30 Tea financing scheme...................................................................................................30 Crop maximization project............................................................................................31 PER ACRE CREDIT LIMITS...................................................................32 Major Crops...................................................................................................................32 Minor Crops...................................................................................................................32 Growing Agro Forest Trees............................................................................................33 Growing Orchards.........................................................................................................33 Mature Orchard/Fruits crops..........................................................................................33 6 Internship Report on Zarai Taraqiati Bank Ltd. 2010 Types of Security...............................................................................34 Immovable Property......................................................................................................34 Moveable Property and Guarantees..............................................................................34 Personal Surety.............................................................................................................35 Debt Equity Ratio..............................................................................36 Repayment Periods...........................................................................37 Recovery Procedure...........................................................................37 A) Recovery Schedule...................................................................................................37 b) Issuance of Notices ..................................................................................................37 c) Legal Action .............................................................................................................38 d) Rescheduling of Loan Repayment Facility.................................................................38 d) Down Payment for Rescheduling of Loans ...............................................................39 Part Two....................................................................................67 Ch. 5: Assignments I handled during my Internship......................67 Chapter 5...................................................................................68 Organogram of Mian Channu Branch..................................................68 Redemption of loan...........................................................................69 Opening of Current Account...............................................................73 1: Acquiring Original CNIC.............................................................................................73 2: Filling Current Account Form.....................................................................................74 3: Filling of Know Your Customer Form..........................................................................75 4: Current Account Specimen Card...............................................................................76 5: Registering name in the Current Account Register (Issuance of A/C No.)..................76 6: Filling of Deposit Slip of starting amount...................................................................77 7: Signing by AMO and Manager...................................................................................78 8: Issuance of Cheque book..........................................................................................78 9: Opening account in the ledger of bank.....................................................................78 ZTBL Flood Relief Fund 2010.........................................................................................82
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